Rates

Auto Loan Rates

Current as of 4/1/2019
TermAPR* as low as
36-42 months2.24%
43-60 months 2.49%
61-78 months^2.99%
79-84 months^3.49%

*Above rates represent a credit score of at least 780, a minimum of $25,000, and Automatic Payments from a PVFCU Checking Account. Members may see an increase in APR based on credit, value of vehicle, age of vehicle, and/or amount financed. Not all loans will be eligible for all terms listed above.

^$10,000 minimum amount financed

Vehicle value is based off KBB Invoice for new vehicles or NADA retail values for used vehicles. If you are unsure about how to obtain the value please contact us.

Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. All rates listed are fixed. Down payment on vehicle loans varies depending on your credit score and the purchase price of the vehicle. Debt payments including all bills must not exceed 45% of your total gross income or less depending on credit. Representative payment example: A $10,000 loan at a 1.99% Annual Percentage Rate for 36 months would require 36 monthly payments of $286.38.

For commercial vehicle rates please contact a business loan officer.

Dividend/Simple Choice

Current as of 4/1/2019
Balance APY* Dividend Rate
over $25,000 0.15% 0.150%
over $10,000 0.10%0.100%
balances to $10,000 0.10% 0.100%

*APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. Dividends paid on Simple Choice Checking only if that option is selected as part of customized account.

Premium Advantage Dividends

Current as of 4/1/2019
BalanceAPY*Div. Rate
over $100,0000.35%0.349%
over $25,0000.25%0.250%
over $10,0000.10%0.100%
balances to $10,0000.10%0.100%

*APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. Dividends paid on Simple Choice Checking only if that option is selected as part of customized account.

Business Advantage Checking Rates

Current as of 4/1/2019
Balance ($25 minimum to open) APY* Dividend Rate
$250,000 and over 0.26 - 0.50% 0.499%
$150,000 - $249,999 0.23 - 0.26% 0.300%
$50,000 - $149,999 0.18 - 0.23% 0.250%
$10,000 - $49,999 0.08 - 0.18% 0.200%
$2,500 - $9,999 0.01 - 0.08% 0.100%
less than $2,500 0.00 - 0.01%0.010%

*APY = Annual Percentage Yield; Dividends are paid monthly on a Tier B calculation. Dividends in each tier are calculated separately from other tiers. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Regular Fixed Rate Certificates

Current as of 4/1/2019
Min. Opening DepositTermAPY*Dividend Rate
$1,0006 months1.35%1.343%
1 year2.00%1.985%
18 months2.35%2.330%
2 years2.60%2.575%
30 months2.65%2.624%
3 years2.50%2.477%
4 years2.50%2.477%
5 years2.85%2.820%
$10,000 (New deposits^)25 months2.70%2.673%
$90,0006 months1.40%1.393%
1 year2.05%2.034%
18 months2.40%2.379%
2 years2.65%2.624%
30 months2.70%2.673%
3 years2.55%2.526%
4 years2.55%2.526%
5 years2.90%2.869%

*APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates up to 3-year terms, and a 180-day penalty on early withdrawals from 4 and 5 year term certificates. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.
^Certificate will rollover into a 1-year, $1,000 minimum certificate. Funds must be new deposits only - no internal transfers.

Investment Money Market Rates

Current as of 4/1/2019
Balance APY* Dividend Rate
$250,000 and over0.66-0.80%0.797%
$100,000-$249,9990.53-0.66%0.747%
$50,000-$99,9990.46-0.53%0.589%
$25,000-$49,9990.36-0.46%0.549%
$2,500-$24,9990.00-0.36%0.399%
less than $2,5000.00%0.000%

*APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Traditional Money Market Rates

Current as of 4/1/2019
Balance ($1,500 minimum to open) APY* Dividend Rate
over $200,000 0.84% 0.837%
over $100,000 0.84% 0.837%
over $75,000 0.80% 0.797%
over $25,000 0.68% 0.678%
balances to $25,000 0.57% 0.569%

*APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Share Savings and Club Rates

Current as of 4/1/2019
Balance ($25 minimum deposit)APY*Dividend Rate
over $25,0000.20%0.200%
balances to $25,0000.15%0.150%

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Specialty Club Account (Christmas, Car club) Rates

Current as of 4/1/2019
BalanceAPY*Dividend Rate
all balances0.25%0.250%

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Health Savings Account (HSA) Rates

Current as of 4/1/2019
BalanceAPY*Dividend Rate
over $5,0000.40%0.399%
balances to $5,0000.10%0.100%

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

One Penalty-Free Withdrawal (after 6 months) Certificate Rates

Current as of 4/1/2019
Min. Opening DepositTermAPY*Dividend Rate
$1,0002 years1.35%1.343%
$10,0002 years1.40%1.393%

*APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates less than 6 months from opening. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Education Savings Account (ESA) Certificate Rates

Current as of 4/1/2019
Min. Opening DepositTermAPY*Dividend Rate
$1,0001 year0.40%0.399%
2 years0.85%0.847%
3 years1.10%1.096%
5 years1.50%1.492%
$10,0001 year0.50%0.499%
2 years1.00%0.996%
3 years1.25%1.244%
5 years1.90%1.887%

*APY = Annual Percentage Yield; Dividends are paid quarterly. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any share account closed before accrued dividends are credited or for any certificate closed before maturity. Earnings may also be reduced by fees associated with some accounts.

Individual Retirement Account (IRA) Certificate Rates

Current as of 4/1/2019
Min. Opening DepositTermAPY*Dividend Rate
$1,0001 year2.05%2.034%
2 years2.65%2.624%
3 years2.55%2.526%
5 years2.90%2.869%
$90,0001 year2.10%2.084%
2 years2.70%2.673%
3 years2.60%2.575%
5 years2.95%2.918%

*APY = Annual Percentage Yield; Dividends are paid quarterly. Early withdrawals from certificates will only have a dividend penalty if the account holder is less than 70 1/2 years of age. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Education Savings Account (ESA) Share Rates

Current as of 4/1/2019
BalanceAPY*Dividend Rate
$250 minimum to open0.25%0.250%

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Individual Retirement Account (IRA) Share Rates

Current as of 4/1/2019
BalanceAPY*Dividend Rate
$250 minimum to open0.25%0.250%

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

Grow With Me Certificate Rates

Current as of 4/1/2019
BalanceTermAPY*Dividend Rate
less than $50,000Until age 182.75%2.722%
$50,000 and overUntil age 182.75-0.15%0.150%

*APY = Annual Percentage Yield; Dividends are paid quarterly. Rates may change annually in July. A 365-day dividend penalty will be assessed on early withdrawals on certificates. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

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